Room and board is still $13k or more. What your parents can pay and your loan will barely cover it. You also need books.
If the costs for one semester are not paid, you cannot register for next semester.
For Excelsior you have to pass 15 or more credits per semester which should be your goal anyway to graduate in 4 years.
What other schools are nearby?
Did you apply to UA Huntsville honors college? You might get free tuition and housing there.